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Benefits Sum Insured Limit Up To (RM) Overseas Essential Superior Premier Domestic A Trip Cancellation (Pre-departure) 20,000 22,000 30,000 1,000 B Medical & Associated Expenses 1 Medical Expenses 300,000 500,000 Unlimited 20,000 (due to accident only) 2 Emergency Medical Related Expenses (a) Emergency Medical Evacuation & Emergency Medical Repatriation Unlimited Unlimited Unlimited 20,000 (due to accident only) (b) Compassionate Visit 7,000 10,000 15,000 NA (c) Child Guard 7,000 10,000 15,000 NA (For Overseas Single Trip Only) (d) Daily Hospitalisation Income 15,000 15,000 30,000 NA (250 per day up to 60 days) (e) Emergency Telephone Charges & Internet Use 100 200 500 NA 3 Follow-Up Medical Treatment in home Country Malaysia (a) In-patient Medical Expenses (Up to 30 days) 50,000 50,000 50,000 NA (b) Outpatient / Specialist Treatments Or Services Provided by a Medical Practitioner (c) Treatment or Services Provided by Healthcare Professionals Included in B3(a) Included in B3(a) Included in B3(a) NA 500 500 1,000 NA 4 Overseas Dental Expenses Included in B1 Included in B1 Included in B1 NA C Repatriation of Mortal Remains Unlimited Unlimited Unlimited NA D Trip Curtailment 20,000 22,000 30,000 NA E1 Trip Interruption 1,000 1,500 3,000 NA E2 Travel Missed Connection (200 for every 6 consecutive hours) 400 600 1,200 NA F1 Travel Delay (150 for every 6 consecutive hours) 1 Overseas 3,600 3,600 5,100 NA 2 Within Malaysia 450 450 900 300

F2 G Benefits Travel Re-Route (200 for every 6 consecutive hours) Baggage Sum Insured Limit Up To (RM) Overseas Essential Superior Premier Domestic 400 600 1,200 NA 1 Loss of Personal Baggage items 5,000 7,000 10,000 1,000 (due to theft or negligence of common carrier only) Item Limit (i) Any one item (ii) Portable Computers including tablets, PDA and the like (iii) Baggage Damage Per Bag 500 1,000 250 500 1,500 250 500 2,000 2 Baggage Delay (200 for every 6 consecutive hours) (a) Overseas 800 800 2,000 NA (b) Within Malaysia 200 200 800 400 3 Fraudulent Use of Credit Card 1,000 1,500 3,000 NA 4 Loss of Travel Document 5,000 6,000 8,000 NA 5 Loss of Personal Money 1,000 2,000 3,000 NA H Personal Accident 1 Accidental Death & Permanent Disablement (i) Ages 30 days to 17 years (ii) Ages 18 years to 85 years 75,000 300,000 75,000 300,000 250 125,000 500,000 NA NA NA 50,000 I Personal Liability 1,000,000 1,000,000 1,000,000 500,000 J Loss of Home Contents 2,000 3,000 5,000 NA K1 Car Rental Excess Charges 2,000 3,000 5,000 NA K2 Car Rental Vehicle Return Costs Included in K1 Included in K1 Included in K1 NA - -

Individual Couple Family 1 to 5 days Each Day 1 to 5 days Each Day 1 to 5 days Each Day Essential Superior Premier R1 R2 R3 R1 R2 R3 R1 R2 R3 41 5 78 9 103 12 57 7 108 13 143 17 75 9 142 17 188 23 47 6 89 11 118 15 66 8 125 15 165 20 85 11 161 20 213 26 73 9 138 17 183 22 102 13 193 24 255 31 132 16 250 31 330 40 Individual Couple Family 1 to 5 days Each Day 1 to 5 days Each Day 1 to 5 days Each Day Essential Superior Premier R1 R2 R3 R1 R2 R3 R1 R2 R3 74 9 140 17 185 23 103 13 194 24 257 32 135 16 256 31 338 41 85 10 160 20 212 26 119 15 225 28 297 36 153 19 290 36 383 47 131 16 248 31 329 40 184 23 347 43 459 56 238 29 450 55 594 73 Essential Superior Premier R1 R2 R3 R1 R2 R3 R1 R2 R3 18-70 Years 270 365 435 310 435 560 440 615 795 71-85 Years (Renewal only) 485 655 780 560 780 1,100 790 1,105 1,430 Domestic Annual Multi-Trip (Add-On) (Inclusive GST) 84.80 1-5 days 6-10 days 11-20 days 21-31 days Each Additional Week Individual 19.08 23.32 34.98 46.64 9.54 Couple 36.04 44.52 66.78 87.98 18.02 Family 47.70 58.30 87.98 115.54 24.38

Product Disclosure Sheet Read this Product Disclosure Sheet before you decide to take out the Travel Guard insurance policy. Be sure to also read the general terms and conditions. 1. What is this product about? This policy provides compensation in the event of injuries, disability or death caused by sudden and unforeseen accidents, medical expenses incurred as a result of an accident or illness, travel inconvenience and travel assistance for domestic and overseas trips. This cover can be purchased by any individual person for themselves, their accompanying spouse and dependent children. You will have immediate access to 24-hour worldwide assistance in case of an emergency situation when you are abroad. You have an option of Single Trip or Annual Multi-Trip coverage depending on the plan selected. 2. What are the covers / benefits provided? Please refer to the schedule of benefits in the brochure. The major benefits covered by this policy include: (a) Medical-Related Benefits; (b) Personal Accidents Benefits; (c) Travel Inconvenience & other Travel-Related Benefits; (d) Trip Assistance Services. Single Trip Plan Duration of cover ranges from 1 to 5 days to maximum of 210 consecutive days for overseas trips and maximum of 60 consecutive days for domestic trips. Annual Multi-Trip Plan Duration of cover is for one year with unlimited number of overseas trips made during the policy period. The maximum length for each overseas trip is 100 consecutive days and each domestic trip is 60 consecutive days. You need to renew your insurance cover annually. 3. How much premium do I have to pay? (a) Please refer to the premium table in the brochure. (b) Premium is payable based on the number of days travelling for Single Trip Plans. (c) The policy is not effective unless the premium payable has been paid. (d) Payment can be made by cash, cheque or credit card. 4. What are the fees and charges that I have to pay? (a) Commission: 25% of premiums. (b) Stamp duty: RM10.00. (c) Goods and Service Tax (GST) of 6% is applicable for domestic plans only. 5. What are some of the key terms and conditions that I should be aware of? (a) Disclosure: (i) You must disclose all material facts which will affect the risk profile such as your age and occupation. (ii) Any fraud, deliberate misrepresentation of material facts or non-disclosure of information in connection with the application for this policy or when making a claim will invalidate the policy and any benefit due will be forfeited and any benefit that has previously been paid must be repaid to us in full. (b) Claims: Claims documents must be submitted to our office as soon as practicable but no later than 90 days from the date of the incident happening. If you cannot complete claim documents within this 90 days time due to reasonable cause, the documents must be submitted no later than 1 year from the date of incident happening. 8